贷款150万（商业贷款）房贷，还款2年6个月的等额本息和等额本金的还款方式明细。
等额本息还款方式：
贷款总额：150万
还款月数：2年6个月
每月还款：52624.88元
利息总额：7.87万
本息合计：157.87万
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 52624.88 | 5000.00 | 47624.88 | 1452375.12 |
| 2 | 2024-06 | 52624.88 | 4841.25 | 47783.63 | 1404591.50 |
| 3 | 2024-07 | 52624.88 | 4681.97 | 47942.91 | 1356648.59 |
| 4 | 2024-08 | 52624.88 | 4522.16 | 48102.72 | 1308545.87 |
| 5 | 2024-09 | 52624.88 | 4361.82 | 48263.06 | 1260282.82 |
| 6 | 2024-10 | 52624.88 | 4200.94 | 48423.93 | 1211858.88 |
| 7 | 2024-11 | 52624.88 | 4039.53 | 48585.35 | 1163273.53 |
| 8 | 2024-12 | 52624.88 | 3877.58 | 48747.30 | 1114526.23 |
| 9 | 2025-01 | 52624.88 | 3715.09 | 48909.79 | 1065616.44 |
| 10 | 2025-02 | 52624.88 | 3552.05 | 49072.82 | 1016543.62 |
| 11 | 2025-03 | 52624.88 | 3388.48 | 49236.40 | 967307.22 |
| 12 | 2025-04 | 52624.88 | 3224.36 | 49400.52 | 917906.70 |
| 13 | 2025-05 | 52624.88 | 3059.69 | 49565.19 | 868341.51 |
| 14 | 2025-06 | 52624.88 | 2894.47 | 49730.41 | 818611.11 |
| 15 | 2025-07 | 52624.88 | 2728.70 | 49896.17 | 768714.93 |
| 16 | 2025-08 | 52624.88 | 2562.38 | 50062.49 | 718652.44 |
| 17 | 2025-09 | 52624.88 | 2395.51 | 50229.37 | 668423.07 |
| 18 | 2025-10 | 52624.88 | 2228.08 | 50396.80 | 618026.27 |
| 19 | 2025-11 | 52624.88 | 2060.09 | 50564.79 | 567461.48 |
| 20 | 2025-12 | 52624.88 | 1891.54 | 50733.34 | 516728.14 |
| 21 | 2026-01 | 52624.88 | 1722.43 | 50902.45 | 465825.69 |
| 22 | 2026-02 | 52624.88 | 1552.75 | 51072.13 | 414753.56 |
| 23 | 2026-03 | 52624.88 | 1382.51 | 51242.37 | 363511.20 |
| 24 | 2026-04 | 52624.88 | 1211.70 | 51413.17 | 312098.02 |
| 25 | 2026-05 | 52624.88 | 1040.33 | 51584.55 | 260513.47 |
| 26 | 2026-06 | 52624.88 | 868.38 | 51756.50 | 208756.97 |
| 27 | 2026-07 | 52624.88 | 695.86 | 51929.02 | 156827.95 |
| 28 | 2026-08 | 52624.88 | 522.76 | 52102.12 | 104725.84 |
| 29 | 2026-09 | 52624.88 | 349.09 | 52275.79 | 52450.04 |
| 30 | 2026-10 | 52624.88 | 174.83 | 52450.04 | 0.00 |
等额本金还款方式：
贷款总额：150万
还款月数：2年6个月
首月还款：55000元
每月递减：166.67元
利息总额：7.75万
本息合计：157.75万
节省利息：1246.33元
| 期次 | 还款日期 | 每月还款 | 偿还利息 | 偿还本金 | 剩余本金 |
|---|---|---|---|---|---|
| 1 | 2024-05 | 55000.00 | 5000.00 | 50000.00 | 1450000.00 |
| 2 | 2024-06 | 54833.33 | 4833.33 | 50000.00 | 1400000.00 |
| 3 | 2024-07 | 54666.67 | 4666.67 | 50000.00 | 1350000.00 |
| 4 | 2024-08 | 54500.00 | 4500.00 | 50000.00 | 1300000.00 |
| 5 | 2024-09 | 54333.33 | 4333.33 | 50000.00 | 1250000.00 |
| 6 | 2024-10 | 54166.67 | 4166.67 | 50000.00 | 1200000.00 |
| 7 | 2024-11 | 54000.00 | 4000.00 | 50000.00 | 1150000.00 |
| 8 | 2024-12 | 53833.33 | 3833.33 | 50000.00 | 1100000.00 |
| 9 | 2025-01 | 53666.67 | 3666.67 | 50000.00 | 1050000.00 |
| 10 | 2025-02 | 53500.00 | 3500.00 | 50000.00 | 1000000.00 |
| 11 | 2025-03 | 53333.33 | 3333.33 | 50000.00 | 950000.00 |
| 12 | 2025-04 | 53166.67 | 3166.67 | 50000.00 | 900000.00 |
| 13 | 2025-05 | 53000.00 | 3000.00 | 50000.00 | 850000.00 |
| 14 | 2025-06 | 52833.33 | 2833.33 | 50000.00 | 800000.00 |
| 15 | 2025-07 | 52666.67 | 2666.67 | 50000.00 | 750000.00 |
| 16 | 2025-08 | 52500.00 | 2500.00 | 50000.00 | 700000.00 |
| 17 | 2025-09 | 52333.33 | 2333.33 | 50000.00 | 650000.00 |
| 18 | 2025-10 | 52166.67 | 2166.67 | 50000.00 | 600000.00 |
| 19 | 2025-11 | 52000.00 | 2000.00 | 50000.00 | 550000.00 |
| 20 | 2025-12 | 51833.33 | 1833.33 | 50000.00 | 500000.00 |
| 21 | 2026-01 | 51666.67 | 1666.67 | 50000.00 | 450000.00 |
| 22 | 2026-02 | 51500.00 | 1500.00 | 50000.00 | 400000.00 |
| 23 | 2026-03 | 51333.33 | 1333.33 | 50000.00 | 350000.00 |
| 24 | 2026-04 | 51166.67 | 1166.67 | 50000.00 | 300000.00 |
| 25 | 2026-05 | 51000.00 | 1000.00 | 50000.00 | 250000.00 |
| 26 | 2026-06 | 50833.33 | 833.33 | 50000.00 | 200000.00 |
| 27 | 2026-07 | 50666.67 | 666.67 | 50000.00 | 150000.00 |
| 28 | 2026-08 | 50500.00 | 500.00 | 50000.00 | 100000.00 |
| 29 | 2026-09 | 50333.33 | 333.33 | 50000.00 | 50000.00 |
| 30 | 2026-10 | 50166.67 | 166.67 | 50000.00 | 0.00 |